Partial sale providers in comparison! House, apartment, land + partial purchase test winner

Partial sale provider 2022 – Big house, big apartment, but “little money to live”? This partial sale provider comparison saves you 1-2 hours of searching, calculating and “understanding differences”. Here you will learn about all the major providers, their costs, fees and the test winner. Wertfaktor, Hausanker, Engel & Völkers, Wertkauf, Hausvorsorge, Heimkapital or even Deutsche Teilkauf, how do the conditions and subsequent costs(user fee) of the individual providers differ? Here is a look at the most important providers in the market – all important calculators, a comparison of the monthly user fee. Tip. After the comparison, let’s take a look at the question: Does partial sale make sense? Let’s start with the ranking! PS: You may also call us at any time: Contact. Back to partial sale of real estate.

Comparison: partial sale house and apartment

More and more are thinking about the partial sale of their property, whether a house, apartment or land.

What does real estate partial sale?

In the case of a partial sale, you sell a share of your property and thus become a homeowners’ association or condominium owners’ association consisting of two parties. Since you remain the sole user, the finance company charges you a monthly usage fee. In order for the calculation to be correct, you must know the current market value of your property.

For understanding: The most important questions about the partial purchase

The most important questions at a glance:

  • Can I sell half of the house? Yes, most sellers ~ 20-50%.
  • Can I sell part of my apartment? Yes.
  • Partial purchase also for land? Yes.
  • Advantage? Fast, uncomplicated purchase price transfer.
  • Disadvantage? User fee (~ 3% p.a.)
  • Moreover, for total sale: sometimes below inflation

Top 3: Test winner according to calculation

You can find the detailed evaluation below! The difference in the overall ranking makes fullm the increase in value, in the subsequent, full sale (optional).

1st place – German part purchase with the following conditions:

  • Usage fee p.a. = 2.89 % = 241 Euro
  • Increase in value (total sales) = + 41.53

Place 2 – House anchor current with:

  • Usage fee p.a. = 2.90 % = 242 Euro
  • Increase in value (total sales) = + 41.53

Rank 3 – Value factor with:

  • Usage fee p.a. = 2.90 % = 242 Euro
  • Increase in value (total sales) = + 29.13

These important factors in the purchase of parts

The key factors for the partial sale:

  • Value of the property = 500,000 euros
  • Desired immediate payout = 100,000 euros
  • Share for sale = 20%
  • Monthly usage fee = ?
  • (if) total sale after X years = ?

You have to answer two key questions in the comparison:

  1. What is the monthly usage fee?
  2. (At total sale, later) appreciation and fees?

Tip. After the ranking you will find advantages, disadvantages and tips (early inheritance, donation, usufruct, etc.). More about the factors, advantages and disadvantages in the XL Guide: Partial sale.

Does a partial sale make sense?

Factor 1: Usage fee = how high?

We want to find out how much the monthly usage fee is – all important calculators, a comparison! For this, we use the public calculators of the individual providers and show you the results in our example here. Our basis is a property, whether a house or an apartment.

Factor 1: Property value and share

  • Value of the property = 500,000 euros
  • Share for sale = 20%

Also for partial ownership of apartment buildings, for example, in the 5-party house, in the country:

Likewise for condominiums in the city center:

Factor 2: Total sales after X years

In step 1, you sell only part of your property. However, all of them also offer the option to sell the entire property in X years, including the value increase. If you take advantage of this option, the 1) increase in value that the individual providers apply and 2) all charge a fee, this is of course also different.

Therefore, we also compare here the second step, the total sale of the house and apartment, including the fees.

Factor 2: Total sales after X years

  • Example: Sale after 15 years

An important tip for selling in 10, 15 or 20 years.

Differences in cost of use and value appreciation

Differences – The providers hardly differ in the monthly usage fee. The main difference is the subsequent total sale, which all providers offer as an option directly after the partial purchase.

Appreciation and inflation – Take inflation into account! 2% regular according to ECB, if 20% appreciation after 10 years it is a zero deal.

Let’s start now with the comparison of the providers (as of 01/22).

I want to mention again that these are only the providers with transparent online calculator. For the calculation to be correct, you need to know the current market value of your property.

5 providers in comparison! Test winner + ranking

Here is the overview with test winner! After the list, you will find once again all the detailed calculations for the usage fee and the increase in value.

Rank 1 – German part purchase

Rank 1 by conditions in the 1st step of the partial sale and in the 2nd step of the total sale is currently Deutsche Teilkauf (as of 01/22).

  • Usage fee p.a. = 2.89 % = 241 Euro
  • Increase in value (total sales) = + 41.53
  • Let evaluate on German part purchase

Place 2 – House anchor

Is part of Deutsche partial purchase, almost the same, only +1 euro in the monthly cost of use.

  • Usage fee p.a. = 2.90 % = 242 Euro
  • Increase in value (total sales) = + 41.53
  • Get rated on house anchor

Rank 3 – Value factor

At 29.13%, the increase in value over 15 years is -12.4% compared to #1 and #2. Likewise +1 euro per month, compared to the test winner.

  • Usage fee p.a. = 2.90 % = 242 Euro
  • Increase in value (total sales) = + 29.13
  • Let evaluate on value factor

Rank 4 – Home provision

Also with Hausvorsorge you pay monthly + 1 Euro compared to the test winner. In terms of total sales, Hausvorsorge is currently – 15.19% in relation to rank 1 and rank 2.

  • Usage fee p.a. = 2.90 % = 242 Euro
  • Increase in value (total sales) = + 26.34

Rank 5 – Engels & Völkers

  • Usage fee p.a. = 2.75 % = 229 Euro
  • Increase in value (total sale) = + 25.33

German part purchase – test winner

The conditions at a glance (source: Rechner deutsche-teilkauf.de).

User fee: 241 € / month / 2,89 %⬠p.a.

  • Share: 20%
  • User fee: 241 Euro

Usage fee after partial sale in %:

  • User fee / year = 2,892 euros
  • % p.a. = 2.89

Total sales: + 41.53 % increase in value

Total sale at Deutsche Partial purchase after 15 years, incl. appreciation and fees.

  • Value in 15 years: 699,128 euros
  • Residual share: 566,103 euros
  • Fee: No implementation fee
  • Second disbursement: 566,103 euros

Value appreciation and fees in %:

  • Increase in value: 41.53
  • Fees: 0 %â¬
  • Second payout: 41.53

The total revenue is thus (in 15 years) 566,103 euros.

House anchor

Hausanker belongs to Deutsche Teilkauf. The conditions are almost the same. Only in the usage fee you pay monthly + 1 Euro. The conditions at a glance (source: hausanker.de calculator).

User fee: 242 € / month / 2.90 %⬠pa.

  • Share: 20%
  • User fee: 242 euros

Usage fee after partial sale in %:

  • User fee / year = 2,904 Euro
  • % p.a. = 2.90

Total sales: + 41.53 % increase in value

Total sale at Deutsche Partial purchase after 15 years, incl. appreciation and fees.

  • Value in 15 years: 699,128 euros
  • Residual share: 566,103 euros
  • Fee: No implementation fee
  • Second disbursement: 566,103 euros

Value appreciation and fees in %:

  • Increase in value: 41.53
  • Fees: 0 %â¬
  • Second payout: 41.53

The total revenue is thus (in 15 years) 566,103 euros.

Value factor

With Wertfaktor you can sell a property worth 500,000 euros only from 20%, maximum 50%. The conditions at a glance (source: calculator Wertfaktor.de).

User fee: 242 € / month / 2.90 %⬠pa.

  • Share: 20%
  • User fee: 242 euros

Usage fee after partial sale in %:

  • User fee / year = 2,904 Euro
  • % p.a. = 2.90

Total sales: + 29.13 % increase in value

Total sale at value factor after 15 years, including appreciation and fees.

  • Value in 15 years: 673,000 euros
  • Residual share: 538,400 euros
  • Fee: – 21.872 Euro
  • Second disbursement: 516,528 euros

Value appreciation and fees in %:

  • Value appreciation: 34.60
  • Fees: 4.06 %â¬
  • Second payout: 29.13
  • Attention: Total sale below inflation

The total revenue is thus (in 15 years) 538,368 euros.

House provision

The conditions at a glance (source: Rechner hausvorsorge.com):

User fee: 242 € / month / 2.90 %⬠pa.

  • Share: 20%
  • User fee: 242 euros

Usage fee after partial sale in %:

  • User fee / year = 2,904 Euro
  • % p.a. = 2.90

Total sales: + 26.34 % increase in value

Total sale at home provision after 15 years, including appreciation and fees.

  • Value in 15 years: 672,934 euros
  • Residual share: 538,347 euros
  • Fee: – 32,974 Euro
  • Second disbursement: 505,373 euros

Value appreciation and fees in %:

  • Increase in value: 34.59
  • Fees: 6.12 %â¬
  • Second payout: 26.34
  • Attention: Total sale below inflation

The total revenue is thus (in 15 years) 561,813 euros.

Engels & Völkers

Place 5 in the raking of the partial buyers is Engels & Völkers with the following conditions in the overview (source: computer ev-liquidhome.com):

User fee: 229 € / month / 2,75 %⬠pa.

  • Share: 20%
  • User fee: 229 Euro

Usage fee after partial sale in %:

  • User fee / year = 2,748 euros
  • % p.a. = 2.75

Total sales: + 25.33 % increase in value

Total sale at Engels & Völkers Liquidhome after 15 years, including appreciation and fees.

  • Value in 15 years: 672,934 euros
  • Residual share: 538,347 euros
  • Fee: – 37,011 Euro
  • Second disbursement: 501,336 euros

Value appreciation and fees in %:

  • Increase in value: 34.59
  • Fees: 6.86 %â¬
  • Second payout: 25.33
  • Attention: Total sale under inflation

The total revenue is thus (in 15 years) 560,086 euros.

Partial purchase makes sense? Partial sale + credit comparison

Partial purchase – Can you sell part of your house? Yes. Sell part of your own property, continue to live in it, it sounds tempting, especially if there is immediate money. The terraced house, single-family house or even the condominium in the apartment building. Surely you have already seen the advertisements of the many part purchase offerers. This purchase offer addresses itself in particular to older real estate owners, who need money, for example for a more pleasant Lebensabend. But, is a partial purchase really sensible? A look at usage costs and a small comparison, what is “cheaper”: Partial purchase or real estate loan?

First, a quick, short definition.

What is meant by partial purchase?

With partial purchase you sell a part of your property to a financial company. In return, you get the purchase price (independent of banks / loans), depending on how much share of your property you want to sell. The financial company then becomes the part owner. This makes you a community of owners consisting of two parties.

Of course, no second person moves into your property; you remain the sole user. However, as the former sole owner, you now pay a fee for the use of the part of the property that no longer belongs to you in full after the partial purchase – comparable to rent. This payment is referred to as “compensation for use” or “usage fee”.

Advantage! Sold fast, paid fast

So “advantage” could be described as:

  • Financing method independent of banks

Disadvantage? Use in cost comparison

As described in the introduction, the “Partial Purchase” offer is aimed in particular at older property owners.

“Banks give no / few loans to older people”.

Such a common prejudice. That is why advertising with the “partial purchase of your property” currently works so well. However, the subsequent costs are often not taken into account. For example, if you sell 25% of the property and then pay 300 euros a month usage costs, you should definitely compare the amount with a regular real estate loan, more precisely mortgage loan.

Usage fee for partial purchase – disadvantage

Now for the “follow-up costs.”

What is monthly user fee? Many currently advertise it as “easy,” “convenient,” “no bank.” True. But the price is high. First of all, the ongoing costs incurred in the partial purchase to financial companies. The financial company becomes a co-owner. The sold part of the property, will be returned to you.

So you do not give “half” of the garden or part of your rooms: you continue to use your property alone.

For this you pay the “compensation for use”.

Amount of compensation for use

The compensation that the financial company requires for the use of the property is usually:

between 3-5% of the amount paid out

The sum refers to 1 year in each case.

Real estate loan comparison: 2-4% cheaper

How much do you currently pay for a “classic” real estate loan? Due to the low interest rate phase, you currently only pay:

approximately 1% of the disbursed amount

Total purchase price mostly below inflation – disadvantage

If you think carefully about the online calculation of step 2) the total purchase, you will notice that you do not specify any regions(real estate location) of the property. Accordingly, the increase in value is a very rough value. But let’s take this as a basis.

Inflation factor – If you now add inflation as a second factor, which according to the European Central Bank should be at 2% per year, but is currently even at 5% (as of 01/22), then you will see:

The appreciation of only 25%, 30% in 15 years, does not even equal inflation.

Partial sale of real estate: advantages, disadvantages, tax & Co.

Read more about partial sale here – A look at costs of use, advantages, disadvantages, the total sale, the calculated increase in value under inflation and a comparison, what is “cheaper”: partial purchase or the alternative real estate loan, more specifically the mortgage loan? In addition taxes, sale from community of heirs, divorce and much more. My recommendations for sellers!